Does the result guarantee approval?

No. Each lender has its own criteria. The result is guidance only.

Do you store my data?

No, the calculation runs entirely locally in your browser.

Find out if your current and proposed debt obligations are safe relative to income.

Decision calculatorGeneral editable assumptionsGlobal-readyInteractive chart

Last updated: 2026-05-16

This calculator uses generic assumptions. Use advanced mode to override them for a more accurate result.

Source: default

DTI = Σ Monthly Debt / Monthly Income

What's a safe ratio?: Convention: up to 25% safe, up to 35% acceptable, above that high.
Is rent counted?: It varies by lender. Enter housing in advanced mode to see the impact.
Net or gross income?: Use net income for a realistic picture of your repayment capacity.
Does the result guarantee approval?: No. Each lender has its own criteria. The result is guidance only.
Do you store my data?: No, the calculation runs entirely locally in your browser.

Results are estimates and not professional advice. Verify important decisions with a qualified professional.